May 22, 2020 at 1:00 pm #43216Participantjohnbarry@johnbarry
I can’t get credit, I joined Clear Score and my report shows a CCJ from Oct 2015.
The CCJ states Court name
COUNTY COURT MONEY CLAIMS doesn’t show who took it out I know nothing about this CCJ. I have never had credit since I went bankrupt in 2009, how can I find further information about this CCJ.
May 22, 2020 at 5:31 pm #43248ParticipantBob Williams@bullstuff2Forumite Points: 12,988
Did you use EXPERIAN John? If not, take a free Trial with them: https://tinyurl.com/y7dx5xfo
Scroll down to How can you get your credit report? Check this out: You can either request your credit history via a basic statutory report for free, which will give you a free trial of Credit Expert. That’s what you need to find out about this CCJ.
We used this a few years ago to sort out a situation my missus had with a Store Card at M&S. The company running it for M&S (GE Capital Bank I think) demanded money for payments made and account closed, 2 years previously. Experian found out all the details and we sent copies of bank statements and an “Account Closed” notice from the bank, with a warning of legal action if they persist. Never had another Store Card.
I smell a rat from this case of yours, does not seem right. There are several ways that this could have turned up at your letter box. It may be someone else using your name and address. It could be someone previously living at your address. How long have you lived there? From our case, these companies make mistakes all the time. Whatever the source, it doesn’t matter, get Experian to give you the info and take it from there.
Go to MSE, register if you never have, and check this out: https://tinyurl.com/yck8zjxj There is a lot of help there.
CCJ’s are as their name says, County Court Judgements. Even if they send bailiffs, they cannot force entry to your home. Only the High Court can do that and, despite what you see on TV, it is very difficult to get a High Court Judgement. Good luck JB.
When the Thought Police arrive at your door, think -
I'm out.May 22, 2020 at 5:48 pm #43251ParticipantPlaneMan@planemanForumite Points: 6,667
Agree with Bob, Experian is the place to go.
A good few years back I ‘had’ a CCJ that was allegedly from a credit card company I never heard off. The letter was from a debt collection agency. A few hours online and I found out they were shysters inventing CCJs and sending out hundreds of letters a week. I forwarded all the letters to the local Police anti-fraud department.
If you are actually after credit, for your own sake, don’t go for one of the credit cards that they give to almost anyone. The interest rates will kill you.May 23, 2020 at 11:07 am #43279
thanks both for the advice i will look into it
JohnMay 24, 2020 at 10:11 am #43302
I Joined Experian (free trial), this (sadly) only shows the same as above I just can’t seem to find what it’s about.
I have the date of CCJ, I have never had anything (communications court letters etc) about this.
Next I am trying to join Martins Board.
JohnMay 24, 2020 at 10:49 am #43303ParticipantEd P@edpsForumite Points: 15,276
Write to the court that issued the CCJ.
This situation seems to be quite common, but DO NOT pay anything against the alleged debt, as that will not help you to set it aside. (If you pay anything you tacitly agree that the debt was yours).
This link gives some advice on how you should approach the court.May 24, 2020 at 11:48 am #43308
I will look into contacting the court, however there is nothing about it (ref number) it just says the above.
I tried web chat (on your link) it closed I will try again Tue.
- You must be logged in to reply to this topic.